Switcha's top picks

AXA Business Insurance

Policies for
Other businesses & Professional
Liability options
Liability cover up to £10,000,000

Make sure your business is protected from hard knocks with business insurance from AXA. Whether your shop is online or on the high street, we’ve got you covered with our s hop insurance for retailers. Benefit from a 10% discount for buying online.

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All Business Insurance

Hiscox Business Insurance

Policies for
Professional & Tradesman
Liability options
Liability cover up to £10,000,000

As part of your business insurance, you’ll receive: 0% interest on Direct Debits. immediate coverage and documentation. No admin fees if you amend your policy. A range of cover limits to suit your needs. Professional cover from the winners of Best Small Business Insurance Provider.

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AXA Business Insurance

Policies for
Other businesses & Professional
Liability options
Liability cover up to £10,000,000

Make sure your business is protected from hard knocks with business insurance from AXA. Whether your shop is online or on the high street, we’ve got you covered with our s hop insurance for retailers. Benefit from a 10% discount for buying online.

Let's go

NatWest Business Insurance

Policies for
Tradesman
Liability options
n/a

NatWest work closely with a wide range of businesses, which helps understand how you work and the challenges you face. NatWest will take the time to listen to your company insurance needs and gain a detailed picture of your requirements to secure the right level of commercial cover. So whatever the scale or nature of your business, you can rest assured that you'll you covered.

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What kind of business insurance do I need?

Most businesses will need some form of insurance to protect themselves and their assets, some of which is mandatory and some which is optional. 

In the UK, you are legally required to have employer’s liability insurance if you employ staff, including volunteers and work experience students. This type of insurance will protect you if a staff member is injured or dies and you are found to have been negligent.

Another form of mandatory insurance is commercial vehicle insurance. If you use any form of vehicle in connection to your business, you need to have at least third-party only insurance. Though taking out comprehensive cover is a good idea to protect against fire, damage and theft.

In terms of optional insurance, you should consider public liability insurance to protect you if a third-party is injured or dies or their property is damaged as a result of your business activities. Professional Indemnity insurance is also essential if your business gives advice which ends up losing your client money. 

Commercial property insurance, including the physical building and its contents, and business interruption insurance, which pays lost income due to property damage, are particularly important for larger companies who rely on their physical premises to earn an income.

FAQs about business insurance

What type of business insurance am I legally required to have?

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What is employer’s liability insurance?

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Do I need commercial vehicle insurance cover?

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Should I get professional indemnity cover?

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What is business interruption insurance?

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What does commercial property insurance cover?

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Do I need business insurance if I work from home?

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How much does business insurance cost?

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